What is Test Drive?Updated 3 minutes ago
Test Drive lets you see exactly how much money you could earn with any credit card before you apply. Instead of guessing whether a card is right for you, Test Drive uses your actual spending data to show personalized earnings projections.
How Test Drive Works
Getting personalized card projections is simple:
- Browse Cards: Find any card you're curious about in our Explore Tool
- Click "Test Drive": Look for the "Test drive this card in my wallet" button
- Get Instant Results: See personalized earnings calculations in less than 60 seconds
No applications, no hard credit pulls, no commitments required.
What You'll See in Your Test Drive Results
When you test drive a card, you get a complete breakdown including:
- Annual rewards projection based on your spending patterns
- Category-by-category earnings (dining, travel, groceries, etc.)
- Net value calculation (total rewards minus annual fees)
- Multi-year projections showing long-term value
- Comparison with your current cards to show the true benefit
All calculations use your actual transaction history, not hypothetical scenarios.
Getting the Most Accurate Results
For the best Test Drive experience, connect your bank accounts through our secure Plaid integration. This allows us to:
- Analyze your real spending patterns across all categories
- Calculate precise earnings based on your transaction history
- Show exactly which spending categories drive the most rewards
- Compare multiple cards using identical spending data
Frequently Asked Questions
Does Test Drive affect my credit score?
No. Test Drive only shows projections based on your spending data. There are no credit checks or applications involved.
How many cards can I test drive?
You can test drive unlimited cards to find the perfect match for your spending.
Do I need to connect my bank account?
While not required, connecting through Plaid provides the most accurate results by analyzing your real spending patterns.
How accurate are the projections?
Test Drive uses your actual transaction history and current card terms to provide precise earnings calculations.
Need help with Test Drive? Contact our support team at [email protected].